EMET LENDING GROUP, INC. closing costs and rates (2024)
In 2024, EMET LENDING GROUP, INC. originated 1,271 purchase mortgages at a median interest rate of 7.25% and median total closing costs of $12,340. That ranks #306 nationally by origination volume. For total closing costs among lenders with 500+ originations, EMET LENDING GROUP, INC. ranks #596. That is $5,599 above the national median of $6,741. EMET LENDING GROUP, INC. is most active in California with 915 originations there.
Purchase Originations
1,271
Ranked #306 nationally
Median Total Costs
$12,340
+83.1% vs national ($6,741)
Median Rate
7.250%
+9.5% vs national (6.620%)
Median Origination
$7,545
Median Lender Credits
$2,390
Cost Rank (500+ vol.)
#596
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,248 | 7.250% | $12,204 | $7,591 |
| fha | 23 | 6.500% | $16,325 | $5,825 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 915 | 7.250% | $13,317 | #46 |
| Texas | 135 | 7.125% | $12,049 | #239 |
| Virginia | 126 | 7.125% | $8,404 | #116 |
| Maryland | 56 | 7.188% | $10,520 | #125 |
| Georgia | 14 | 6.875% | $5,758 | — |
| North Carolina | 6 | 7.062% | $4,642 | — |
| District of Columbia | 4 | 7.562% | $10,294 | — |
| Nevada | 4 | 7.188% | $10,239 | — |
| Tennessee | 3 | 7.000% | $11,895 | — |
| Arizona | 2 | 7.188% | $8,246 | — |
| Florida | 2 | 7.375% | $10,104 | — |
| Washington | 2 | 6.938% | $11,350 | — |
| Colorado | 1 | 7.000% | $10,821 | — |
| South Carolina | 1 | 8.500% | $7,331 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,590 | 6.875% | — | 11 | −$5,750 | |
| 2 | $8,452 | 6.875% | — | 18 | −$3,888 | |
| 3 | $8,537 | 7.375% | — | 16 | −$3,803 | |
| 4 | $8,740 | 6.688% | — | 8 | −$3,600 | |
| 5 | $8,758 | 7.125% | — | 56 | −$3,582 | |
| 6 | $9,839 | 6.812% | — | 12 | −$2,501 | |
| 7 | $10,452 | 7.312% | — | 16 | −$1,888 | |
| 8 | $10,526 | 7.250% | — | 32 | −$1,814 | |
| 9 | $12,048 | 7.188% | — | 12 | −$292 | |
| 10 | $12,074 | 6.875% | — | 11 | −$266 | |
| 11 | $12,128 | 7.250% | — | 58 | −$212 | |
| 12 | $12,192 | 7.250% | — | 17 | −$148 | |
| 13 | $12,231 | 7.188% | — | 140 | −$109 | |
| 14 | $12,672 | 7.375% | — | 9 | +$332 | |
| 15 | $12,788 | 7.125% | — | 45 | +$448 | |
| 16 | $12,910 | 7.500% | — | 13 | +$570 | |
| 17 | $13,133 | 7.250% | — | 144 | +$793 | |
| 18 | $14,143 | 7.062% | — | 20 | +$1,803 | |
| 19 | $14,145 | 7.312% | — | 10 | +$1,805 | |
| 20 | $14,228 | 7.250% | — | 470 | +$1,888 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.